HSA contribution limits for 2027
For 2027 you can contribute up to $4,500 to a health savings account with self-only coverage, or $9,000 with family coverage.
| HSA figure | 2026 | 2027 |
|---|---|---|
| Contribution limit, self-only coverage | $4,400 | $4,500 |
| Contribution limit, family coverage | $8,750 | $9,000 |
| Lowest plan deductible that qualifies, self-only | $1,700 | $1,750 |
| Lowest plan deductible that qualifies, family | $3,400 | $3,500 |
| Highest out-of-pocket limit allowed, self-only | $8,500 | $8,700 |
| Highest out-of-pocket limit allowed, family | $17,000 | $17,400 |
Which health plans qualify
To contribute to a health savings account you need a high deductible health plan. For 2027 the IRS defines that as a plan with an annual deductible of at least $1,750 for self-only coverage or $3,500 for family coverage, and with annual out-of-pocket expenses (deductibles, co-payments and other amounts, but not premiums) of no more than $8,700 for self-only coverage or $17,400 for family coverage.
Check our work
Every figure on this page was read from these official documents. Follow the links and compare.
- Revenue Procedure 2026-24 (2027 health savings account amounts)Internal Revenue Service. Read on November 12, 2026.
- Revenue Procedure 2025-19 (2026 health savings account amounts)Internal Revenue Service. Read on November 12, 2026.